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Governance Issues in Public Sector Banks and PJ Nayak Committee Report

The banking sector in India is dominated by public-sector banks (PSBs) with government being the majority stake holder in them. In recent years, the Public Sector banks have been suffering with multiple problems of non-performing assets (NPAs), large over-dues; competition, performance, political pressures and so on. In this context, the former RBI governor Raghuram Rajan had […]

Scheduled Commercial Banks in India

The scheduled commercial banks are those banks which are included in the second schedule of RBI Act 1934 and which carry out the normal business of banking such as accepting deposits, giving out loans and other banking services. The major difference between Scheduled Commercial Banks and Scheduled Cooperative Banks is their holding pattern, since cooperatives […]